According to official website and BOC consumer finance, BOC consumer loans actually have a variety of products, and credit loans mainly include credit loans and music loans. Let's look at the application conditions separately:
Credit loan application conditions
1. Requirements18-Mainland citizens aged 65 are not allowed to support the application of compatriots from Hong Kong, Macao and Taiwan.
2. Have a stable job and income in the place where the loan is applied, and have the ability to repay the loan.
3. The applicant needs to have a good credit status and no bad credit record.
4. Customers with an application amount of 6,543,800+or more must have local real estate under their own name, spouse or minor children.
Lexiang loan application conditions
Lexiang loan is a mortgage loan for individual consumers, but it also needs good credit conditions.
1, 18-65-year-old mainland citizens will not support the application of compatriots from Hong Kong, Macao and Taiwan for the time being.
2. Have a stable job and income in the place where the loan is applied, and have the ability to repay the loan.
3. The applicant needs to have a good credit status and no bad credit record.
4. The customer needs to have real estate in the local name, which can be unsecured real estate or real estate with the local commercial bank as the first mortgagee.
Regarding "what conditions are needed for BOC consumer credit loans", I will introduce you here, hoping to help you. In fact, relatively speaking, the credit loan conditions of BOC consumer finance are still relatively strict. If you want to apply for a higher quota, you have to have a real estate.